WO2018028011A1 - 费用结算方法及车载终端 - Google Patents

费用结算方法及车载终端 Download PDF

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Publication number
WO2018028011A1
WO2018028011A1 PCT/CN2016/097778 CN2016097778W WO2018028011A1 WO 2018028011 A1 WO2018028011 A1 WO 2018028011A1 CN 2016097778 W CN2016097778 W CN 2016097778W WO 2018028011 A1 WO2018028011 A1 WO 2018028011A1
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WO
WIPO (PCT)
Prior art keywords
fee
vehicle
payment
settled
settlement
Prior art date
Application number
PCT/CN2016/097778
Other languages
English (en)
French (fr)
Inventor
王林祥
赵皎平
王银波
刘渊博
Original Assignee
西安艾润物联网技术服务有限责任公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
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Application filed by 西安艾润物联网技术服务有限责任公司 filed Critical 西安艾润物联网技术服务有限责任公司
Publication of WO2018028011A1 publication Critical patent/WO2018028011A1/zh

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/02—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G06Q20/145—Payments according to the detected use or quantity
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device

Definitions

  • the present invention relates to the field of vehicle technologies, and in particular, to a fee settlement method and an in-vehicle terminal.
  • the settlement method of these expenses is mainly manual settlement.
  • a booth is generally set up at each entrance and exit of the parking lot, and a staff member is arranged to be on duty at night in the booth, and the staff enters and exits according to the vehicle in the parking lot.
  • the time difference and the pre-specified parking fee standard calculate the parking fee that the owner should pay.
  • the staff collects the parking fee in cash before the vehicle is released at the exit of the parking lot.
  • a main object of the present invention is to provide a fee settlement method and an in-vehicle terminal, which are aimed at improving the efficiency of fee settlement.
  • a fee settlement method is provided by an embodiment of the present invention, and the fee settlement method includes:
  • the vehicle terminal When the fee settlement operation is triggered, the vehicle terminal obtains the to-be-settled fee, and sends a first fee settlement request carrying the to-be-settled fee to the cloud platform, so that the cloud platform performs fee settlement based on the preset payment platform;
  • the step of receiving, by the in-vehicle terminal, the payment result returned by the preset payment platform after the settlement is successful the method further includes:
  • the in-vehicle terminal time-stamps the received payment result and stores it in a preset database.
  • the step of receiving, by the in-vehicle terminal, the payment result returned by the preset payment platform after the settlement is successful the method further includes:
  • the in-vehicle terminal displays the received payment result.
  • the receiving result displayed by the in-vehicle terminal display comprises:
  • the in-vehicle terminal displays the received payment result by means of voice and/or image
  • the fee settlement method further includes:
  • the vehicle-mounted terminal receives and displays driving prompt information sent by the cloud platform.
  • the method further includes:
  • the vehicle-mounted terminal When the fee settlement operation is triggered, the vehicle-mounted terminal identifies a trigger mode of the fee settlement operation;
  • the step of executing the on-vehicle terminal to obtain the to-be-settled fee and transmitting the first fee settlement request carrying the to-be-settled fee to the cloud platform is performed.
  • the first triggering manner includes receiving, by the third-party system, prompt information that carries a to-be-settled fee;
  • the step of the vehicle-mounted terminal acquiring the to-be-settled fee and transmitting the first fee settlement request carrying the to-be-settled fee to the cloud platform includes:
  • the vehicle-mounted terminal extracts a to-be-settled fee carried by the prompt information, and sends a first settlement request carrying the extracted to-be-settled fee to the cloud platform.
  • the step of the vehicle-mounted terminal identifying the triggering manner of the fee settlement operation further includes:
  • the vehicle-mounted terminal acquires the to-be-settled fee, and generates a second fee settlement request that carries the to-be-settled fee;
  • the vehicle-mounted terminal generates and displays a graphic code carrying the second fee settlement request, so that the other terminal performs fee settlement based on the payment platform corresponding to the second fee settlement request when scanning the graphic code.
  • the graphic code includes at least one of a graphic code, a two-dimensional code, and a three-dimensional code.
  • the second triggering manner includes receiving payment information input by a user
  • the step of the vehicle-mounted terminal acquiring the to-be-settled fee and generating the second fee settlement request carrying the to-be-settled fee includes:
  • the in-vehicle terminal generates a second fee settlement request carrying the determined bill to be settled and the determined payment platform information.
  • the present invention further provides an in-vehicle terminal, where the in-vehicle terminal includes:
  • a payment module configured to: when the fee settlement operation is triggered, obtain a to-be-settled fee, and send a first fee settlement request that carries the to-be-settled fee to the cloud platform, so that the cloud platform performs fee settlement based on the preset payment platform;
  • a receiving module configured to receive, by the cloud platform, a payment result returned by the preset payment platform after the settlement is successful.
  • the receiving module is further configured to: after receiving the received payment result, time stamping, and storing the payment result in a preset database.
  • the in-vehicle terminal further includes:
  • the first display module is configured to display the received payment result.
  • the first display module is further configured to display the received payment result by means of voice and/or image.
  • the in-vehicle terminal further includes:
  • the second display module is configured to receive and display driving prompt information sent by the cloud platform.
  • the payment module is further configured to: when the triggering fee settlement operation is triggered, identify a triggering manner of the fee settlement operation; and further, when the triggering mode of the fee settlement operation is the first triggering manner, obtain the to-be-settled fee, and send the Carry the first fee settlement request for the settlement fee to the cloud platform.
  • the first triggering manner includes receiving, by the third-party system, prompt information that carries a to-be-settled fee; the payment module is further configured to extract a to-be-settled fee carried by the prompting information, and send the The first settlement request for the settlement fee to the cloud platform.
  • the payment module is further configured to: when the triggering mode of the fee settlement operation is the second trigger mode, acquire the to-be-settled fee, and generate a second fee settlement request that carries the to-be-settled fee; and is further configured to generate and display the carrier
  • the graphic code of the second fee settlement request is used by other terminals to perform fee settlement based on the payment platform corresponding to the second fee settlement request when scanning the graphic code.
  • the graphic code includes at least one of a graphic code, a two-dimensional code, and a three-dimensional code.
  • the second triggering manner includes receiving payment information input by a user; the payment module is further configured to determine a to-be-settled fee based on the payment information, and determine a payment-settled payment platform; The settlement fee to be settled, and the second fee settlement request for the determined payment platform information.
  • the fee settlement method and the vehicle-mounted terminal proposed by the invention interact with the preset cloud platform through the automatic settlement of the triggered fee settlement operation by the vehicle-mounted terminal, and the cloud platform assists in completing the automatic online payment of the settlement fee.
  • the present invention reduces manual operations in vehicle related fee settlement, and can improve the efficiency of fee settlement.
  • FIG. 1 is a schematic flow chart of a first embodiment of a fee settlement method according to the present invention.
  • FIG. 2 is a schematic diagram of functional modules of a first embodiment of an in-vehicle terminal of the present invention.
  • the present invention provides a fee settlement method.
  • the fee settlement method includes:
  • step S10 when the fee settlement operation is triggered, the vehicle terminal acquires the to-be-settled fee, and sends a first fee settlement request carrying the to-be-settled fee to the cloud platform, so that the cloud platform performs fee settlement based on the preset payment platform;
  • the fee settlement method proposed by the embodiment is performed by the vehicle-mounted terminal, and the vehicle-side terminal automatically responds to the triggered fee settlement operation, interacts with the preset cloud platform, and the cloud platform assists in completing the automatic payment to realize the vehicle-related expenses.
  • the vehicle terminal includes, but is not limited to, a physical device such as a car navigation device and an onboard computer.
  • the vehicle-mounted terminal when the fee settlement operation is triggered, acquires the to-be-settled fee based on the triggered fee settlement operation, wherein the fee settlement operation may be automatically triggered by the vehicle-mounted terminal, or may be triggered by the vehicle-mounted terminal in response to the user operation.
  • the to-be-settled fee includes the vehicle-related expenses associated with the vehicle-mounted terminal, including but not limited to the parking lot parking fee, the high-speed toll fee, the vehicle fueling fee, the traffic congestion fee, the vehicle charging fee, and the vehicle maintenance fee.
  • the in-vehicle terminal characterizes its associated vehicle using pre-configured license plate number information. For example, when the fee settlement operation is triggered, the in-vehicle terminal acquires the parking fee "10 yuan" to be settled for the vehicle whose license plate number information is "Yue B123456".
  • the in-vehicle terminal After acquiring the to-be-settled fee, the in-vehicle terminal sends a first fee settlement request carrying the to-be-settled fee to the cloud platform, where the sent first fee settlement request further carries the pre-configured payment certificate and its corresponding payment platform information, and The license plate number information of the vehicle associated with the vehicle terminal.
  • the user ie, the owner
  • the payment vouchers corresponding to the UnionPay payment include a bank card account and an associated payment password; for example, the Alipay payment includes an Alipay account and an associated payment password.
  • the cloud platform parses out the to-be-settled fee, the payment certificate and the corresponding payment platform information, and the license plate number information of the associated vehicle of the vehicle-mounted terminal, and based on the parsed The information is settled based on the preset payment platform, that is, the settlement of the related expenses of the associated vehicle of the vehicle-mounted terminal is completed.
  • the payment platform will return the payment result of the fee settlement to the requesting party of the payment, that is, the cloud platform.
  • Step S20 The in-vehicle terminal receives the payment result returned by the preset payment platform after the settlement is successful.
  • the cloud platform forwards the received payment result to the in-vehicle terminal after receiving the payment result returned by the preset payment platform after the settlement is successful.
  • the vehicle terminal When receiving the payment result forwarded by the cloud platform, the vehicle terminal can time-stamp the received payment result and store it in a preset database for display when needed.
  • the in-vehicle terminal may also display the received payment result while storing the received payment result to the preset database.
  • the vehicle-mounted terminal can display the received payment result by means of voice and/or image, for example, the vehicle-mounted terminal displays the received payment result “successful payment of the parking fee” on the screen; and, for example, the vehicle-mounted terminal broadcasts the received payment result through the speaker. “Parking fee paid successfully”.
  • the fee settlement method further includes:
  • the vehicle-mounted terminal receives and displays driving prompt information sent by the cloud platform.
  • the driving prompt information includes, but is not limited to, limited travel notification information, traffic congestion information, and parking lot information.
  • the fee settlement method proposed in this embodiment is applied to an in-vehicle terminal, so that the vehicle-mounted terminal automatically responds to the triggered fee settlement operation, interacts with the preset cloud platform, and the cloud platform assists in completing the automatic online payment of the to-be-settled fee.
  • the present invention reduces manual operations in vehicle related fee settlement, and can improve the efficiency of fee settlement.
  • the method further includes:
  • the vehicle-mounted terminal When the fee settlement operation is triggered, the vehicle-mounted terminal identifies a trigger mode of the fee settlement operation;
  • the step of executing the on-vehicle terminal to obtain the to-be-settled fee and transmitting the first fee settlement request carrying the to-be-settled fee to the cloud platform is performed.
  • the in-vehicle terminal when the charging settlement operation is triggered, the in-vehicle terminal first identifies the triggering mode of the fee settlement operation, and when the triggering mode of the fee settlement operation is the first triggering mode, the in-vehicle terminal executes the foregoing first embodiment.
  • the automatic payment process refer to the foregoing first embodiment, and details are not described herein again.
  • the first triggering manner includes receiving, by the third-party system, prompt information that carries the to-be-settled fee.
  • step S10 includes:
  • the vehicle-mounted terminal extracts a to-be-settled fee carried by the prompt information, and sends a first settlement request carrying the extracted to-be-settled fee to the cloud platform.
  • the departure gate period of the parking lot broadcasts a broadcast signal characterizing its identity, wherein the broadcast signal also carries server information for the parking lot server responsible for parking fee settlement of the parking lot where the departure gate is located. That is, the server information of the yard server associated with the departure gate.
  • the vehicle owner driving the vehicle will receive the broadcast signal from the exit gate.
  • the vehicle terminal detects the departure. Road gate.
  • the broadcast range of the broadcast signal can be adjusted correspondingly by adjusting the transmit power of the exit gate gate. Specifically, increasing the transmit power of the exit gate gate increases the broadcast range of the broadcast signal correspondingly, and reduces the departure gate gate. The transmission power reduces the broadcast range of the broadcast signal accordingly.
  • the departure gate can broadcast signals through the built-in wireless communication module, and the wireless communication module can adopt short-range wireless communication technologies such as Wi-Fi, Bluetooth, ZigBee, infrared, NFC, UWB.
  • Wi-Fi technology operates at 2.4GHz ISM (Industrial) Scientific The Medical) band and the 5 GHz ISM band have the advantages of wide signal coverage, high data transmission rate, and easy integration with other types of communication networks. Therefore, the present embodiment preferably employs a Wi-Fi module as the wireless communication module.
  • ISM Industrial
  • 5 GHz ISM band have the advantages of wide signal coverage, high data transmission rate, and easy integration with other types of communication networks. Therefore, the present embodiment preferably employs a Wi-Fi module as the wireless communication module.
  • the vehicle terminal When receiving the broadcast signal of the departure gate broadcast, the vehicle terminal extracts the server information of the yard server associated with the departure gate from the received broadcast signal, and initiates a communication connection establishment request to the yard server.
  • the yard server After receiving the communication connection establishment request, the yard server establishes a wireless communication connection with the vehicle terminal.
  • the wireless communication connection between the yard server and the vehicle terminal can be based on connectionless UDP (User Data Protocol, User Datagram Protocol), and adopts DTLS (Datagram Transport Layer) Security, Packet Transport Layer Security Protocol) Protocol as its security control protocol.
  • UDP User Data Protocol
  • DTLS Datagram Transport Layer
  • Packet Transport Layer Security Protocol Packet Transport Layer Security Protocol
  • the yard server After the wireless communication connection is established, the yard server obtains the license plate number information of the vehicle associated with the vehicle terminal, and obtains the parking fee to be settled of the vehicle associated with the vehicle terminal based on the license plate number information, and then carries the parking to be settled in the form of a payment notification.
  • the prompt information of the fee is sent to the vehicle terminal.
  • the vehicle-mounted terminal After receiving the prompt information of the to-be-settled parking fee carried by the parking lot server, the vehicle-mounted terminal triggers the fee settlement operation.
  • the vehicle terminal extracts the toll settlement fee carried in the received prompt information, and sends a first settlement request carrying the extracted toll settlement fee to the cloud platform.
  • the cloud platform When receiving the first settlement request sent by the vehicle-mounted terminal, the cloud platform initiates an online payment request to the default payment platform “WeChat payment platform”, and the “WeChat payment platform” completes the fee settlement.
  • the cloud platform When receiving the payment result returned by the WeChat payment platform when the settlement is successful, the cloud platform forwards the payment result to the vehicle terminal and simultaneously forwards it to the parking lot server.
  • the vehicle terminal when receiving the payment result forwarded by the cloud platform, stores and displays the payment result; when receiving the payment result forwarded by the cloud platform, the parking lot server controls the departure gate to open for the owner to drive away.
  • a third embodiment of the fee settlement method of the present invention is proposed.
  • the vehicle-mounted terminal identifies the trigger mode of the fee settlement operation.
  • Also includes:
  • the vehicle-mounted terminal acquires the to-be-settled fee, and generates a second fee settlement request that carries the to-be-settled fee;
  • the vehicle-mounted terminal generates and displays a graphic code carrying the second fee settlement request, so that the other terminal performs fee settlement based on the payment platform corresponding to the second fee settlement request when scanning the graphic code.
  • the vehicle terminal after the vehicle terminal recognizes the trigger mode of the fee settlement operation, if the trigger mode of the fee settlement operation is the second trigger mode, the vehicle terminal acquires the toll settlement fee and generates a second fee for carrying the toll settlement fee.
  • the generated second fee settlement request includes payment platform information, and is used to guide to a payment platform corresponding to the payment platform information.
  • the second triggering method includes receiving the payment information input by the user, and when the triggering mode of the fee settlement operation is the second triggering mode, the vehicle-mounted terminal acquires the to-be-settled fee, and generates a second fee to be settled.
  • the steps for the fee settlement request include:
  • the in-vehicle terminal generates a second fee settlement request carrying the determined bill to be settled and the determined payment platform information.
  • the vehicle-mounted terminal After generating the second fee settlement request, the vehicle-mounted terminal generates and displays a graphic code carrying the second fee settlement request, for other terminals to perform payment according to the second fee settlement request when scanning the graphic code
  • the platform performs fee settlement.
  • the generated graphic code includes, but is not limited to, a barcode, a two-dimensional code, a three-dimensional code, and the like.
  • the following other terminals are the mobile phone of the owner of the vehicle for further application description of the cost calculation method of the embodiment.
  • the vehicle When the driver drives to the departure gate of the parking lot, the vehicle enters the fee item information "parking fee" to be paid based on the vehicle terminal.
  • the vehicle terminal transmits the pre-associated license plate number information “Yue B123456” to the parking lot server of the current parking lot, and receives the parking fee “10 yuan” to be settled by the parking lot server. After receiving the parking fee to be settled returned by the yard server, the vehicle terminal displays on the screen for the vehicle owner to select a payment platform for settlement of the fee.
  • the vehicle terminal After receiving the payment platform information "WeChat payment” selected by the owner, the vehicle terminal generates a second fee settlement request carrying the parking fee "10 yuan" and "WeChat payment” to be settled. After generating the second fee settlement request, the vehicle terminal generates and displays a two-dimensional code carrying the second fee settlement request for the owner to scan using the carried mobile phone.
  • the mobile phone After scanning the two-dimensional code displayed by the vehicle terminal, the mobile phone parses out the second fee settlement request carried by the two-dimensional code, and leads to the “WeChat payment platform”, and the “WeChat payment platform” completes the settlement of the parking fee to be settled.
  • the mobile phone When the mobile phone receives the payment result returned by the WeChat payment platform when the settlement is successful, the mobile phone forwards the payment result to the vehicle terminal and simultaneously forwards it to the parking lot server.
  • the vehicle terminal when receiving the payment result forwarded by the mobile phone, stores and displays accordingly; when receiving the payment result forwarded by the mobile phone, the parking lot server controls the departure gate to open for the owner to drive away.
  • the present invention further provides an in-vehicle terminal for performing the foregoing fee settlement method, which corresponds to the first embodiment of the foregoing fee settlement method.
  • the in-vehicle terminal includes:
  • the payment module 10 is configured to: when the fee settlement operation is triggered, acquire a to-be-settled fee, and send a first fee settlement request that carries the to-be-settled fee to the cloud platform, so that the cloud platform performs fee settlement based on the preset payment platform;
  • the vehicle-mounted terminal proposed in this embodiment interacts with the preset cloud platform by automatically responding to the triggered fee settlement operation, and the cloud platform assists in completing the automatic payment of the settlement fee, thereby realizing the rapid vehicle-related expenses. Settlement.
  • the vehicle terminal includes, but is not limited to, a physical device such as a car navigation device and an onboard computer.
  • the payment module 10 of the in-vehicle terminal acquires the to-be-settled fee based on the triggered fee settlement operation, wherein the fee settlement operation may be automatically triggered by the vehicle-mounted terminal, or may be triggered by the vehicle-mounted terminal in response to the user operation.
  • the to-be-settled fee includes the vehicle-related expenses associated with the vehicle-mounted terminal, including but not limited to the parking lot parking fee, the high-speed toll fee, the vehicle fueling fee, the traffic congestion fee, the vehicle charging fee, and the vehicle maintenance fee.
  • the in-vehicle terminal characterizes its associated vehicle using pre-configured license plate number information. For example, when the fee settlement operation is triggered, the payment module 10 acquires the parking fee "10 yuan" to be settled for the vehicle whose license plate number information is "Yue B123456".
  • the payment module 10 sends a first fee settlement request carrying the to-be-settled fee to the cloud platform, where the sent first fee settlement request further carries the pre-configured payment certificate and its corresponding payment platform information. And the license plate number information of the vehicle associated with the vehicle terminal.
  • the user ie, the owner
  • the payment vouchers corresponding to the UnionPay payment include a bank card account and an associated payment password; for example, the Alipay payment includes an Alipay account and an associated payment password.
  • the cloud platform parses out the to-be-settled fee, the payment voucher and the corresponding payment platform information, and the license plate number information of the associated vehicle of the vehicle-mounted terminal, and based on the analysis The information is settled based on the preset payment platform, that is, the settlement of the related expenses of the associated vehicle of the vehicle-mounted terminal is completed.
  • the payment platform will return the payment result of the fee settlement to the requesting party of the payment, that is, the cloud platform.
  • the receiving module 20 is configured to receive, by the cloud platform, a payment result returned by the preset payment platform after the settlement is successful.
  • the cloud platform forwards the received payment result to the in-vehicle terminal after receiving the payment result returned by the preset payment platform after the settlement is successful.
  • the receiving module 20 may time stamp the received payment result and store it in a preset database for display when needed.
  • the in-vehicle terminal further includes a first display module, configured to display the received payment result while the receiving module 20 stores the received payment result to the preset database.
  • the first display module may display the received payment result by means of voice and/or image. For example, the first display module displays the received payment result “parking fee payment success” on the screen; for example, the first display module passes The speaker plays the received payment result "Successful parking fee payment”.
  • the in-vehicle terminal further includes:
  • the second display module is configured to receive and display driving prompt information sent by the cloud platform.
  • the driving prompt information includes, but is not limited to, limited travel notification information, traffic congestion information, and parking lot information.
  • the vehicle-mounted terminal proposed in this embodiment interacts with the preset cloud platform by automatically responding to the triggered fee settlement operation, and the cloud platform assists in completing the automatic online payment of the to-be-settled fee.
  • the present invention reduces manual operations in vehicle related fee settlement, and can improve the efficiency of fee settlement.
  • a second embodiment of the in-vehicle terminal of the present invention is provided, which corresponds to the second embodiment of the foregoing fee settlement method.
  • the payment module 10 is further used for triggering fee settlement.
  • the triggering manner of the fee settlement operation is identified; and when the trigger mode of the fee settlement operation is the first trigger mode, the toll settlement fee is acquired, and the first fee settlement request carrying the to-be-settled fee is sent to the cloud platform.
  • the payment module 10 when the fee settlement operation is triggered, the payment module 10 first identifies the trigger mode of the fee settlement operation, and when the trigger mode of the fee settlement operation is determined to be the first trigger mode, the automatic operation of the foregoing first embodiment is performed.
  • the payment process refer to the foregoing first embodiment, and details are not described herein again.
  • the first triggering manner includes receiving, by the third-party system, prompt information that carries the to-be-settled fee.
  • the payment module 10 is further configured to extract a to-be-settled fee carried by the prompt information, and send a first settlement request that carries the extracted to-be-settled fee to the cloud platform.
  • the departure gate period of the parking lot broadcasts a broadcast signal characterizing its identity, wherein the broadcast signal also carries server information for the parking lot server responsible for parking fee settlement of the parking lot where the departure gate is located. That is, the server information of the yard server associated with the departure gate.
  • the vehicle owner driving the vehicle will receive the broadcast signal from the exit gate.
  • the vehicle terminal detects the departure. Road gate.
  • the broadcast range of the broadcast signal can be adjusted correspondingly by adjusting the transmit power of the exit gate gate. Specifically, increasing the transmit power of the exit gate gate increases the broadcast range of the broadcast signal correspondingly, and reduces the departure gate gate. The transmission power reduces the broadcast range of the broadcast signal accordingly.
  • the departure gate can broadcast signals through the built-in wireless communication module, and the wireless communication module can adopt short-range wireless communication technologies such as Wi-Fi, Bluetooth, ZigBee, infrared, NFC, UWB.
  • Wi-Fi technology operates at 2.4GHz ISM (Industrial) Scientific The Medical) band and the 5 GHz ISM band have the advantages of wide signal coverage, high data transmission rate, and easy integration with other types of communication networks. Therefore, the present embodiment preferably employs a Wi-Fi module as the wireless communication module.
  • ISM Industrial
  • 5 GHz ISM band have the advantages of wide signal coverage, high data transmission rate, and easy integration with other types of communication networks. Therefore, the present embodiment preferably employs a Wi-Fi module as the wireless communication module.
  • the vehicle terminal When receiving the broadcast signal of the departure gate broadcast, the vehicle terminal extracts the server information of the yard server associated with the departure gate from the received broadcast signal, and initiates a communication connection establishment request to the yard server.
  • the yard server After receiving the communication connection establishment request, the yard server establishes a wireless communication connection with the vehicle terminal.
  • the wireless communication connection between the yard server and the vehicle terminal can be based on connectionless UDP (User Data Protocol, User Datagram Protocol), and adopts DTLS (Datagram Transport Layer) Security, Packet Transport Layer Security Protocol) Protocol as its security control protocol.
  • UDP User Data Protocol
  • DTLS Datagram Transport Layer
  • Packet Transport Layer Security Protocol Packet Transport Layer Security Protocol
  • the yard server After the wireless communication connection is established, the yard server obtains the license plate number information of the vehicle associated with the vehicle terminal, and obtains the parking fee to be settled of the vehicle associated with the vehicle terminal based on the license plate number information, and then carries the parking to be settled in the form of a payment notification.
  • the prompt information of the fee is sent to the vehicle terminal.
  • the vehicle-mounted terminal After receiving the prompt information of the to-be-settled parking fee carried by the parking lot server, the vehicle-mounted terminal triggers the fee settlement operation.
  • the vehicle terminal extracts the toll settlement fee carried in the received prompt information, and sends a first settlement request carrying the extracted toll settlement fee to the cloud platform.
  • the cloud platform When receiving the first settlement request sent by the vehicle-mounted terminal, the cloud platform initiates an online payment request to the default payment platform “WeChat payment platform”, and the “WeChat payment platform” completes the fee settlement.
  • the cloud platform When receiving the payment result returned by the WeChat payment platform when the settlement is successful, the cloud platform forwards the payment result to the vehicle terminal and simultaneously forwards it to the parking lot server.
  • the vehicle terminal when receiving the payment result forwarded by the cloud platform, stores and displays the payment result; when receiving the payment result forwarded by the cloud platform, the parking lot server controls the departure gate to open for the owner to drive away.
  • a third embodiment of the in-vehicle terminal of the present invention is proposed, which corresponds to the third embodiment of the foregoing fee settlement method.
  • the payment module 10 is further used for the fee settlement operation.
  • the triggering mode is the second triggering mode
  • the fee to be settled is obtained, and a second fee settlement request carrying the fee to be settled is generated; and the graphic code carrying the second fee settlement request is also generated and displayed for scanning by other terminals.
  • the graphic code is reached, the payment settlement is performed based on the payment platform corresponding to the second fee settlement request.
  • the payment module 10 acquires the to-be-settled fee, and generates a fee to carry the settlement fee.
  • the second fee settlement request generated by the payment module 10 includes payment platform information, and is used to guide to a payment platform corresponding to the payment platform information.
  • the second triggering manner includes receiving the payment information input by the user, and the payment module 10 is further configured to determine a to-be-settled fee based on the payment information, and determine a payment settlement platform for the fee settlement; Settlement fee, and a second fee settlement request for the determined payment platform information.
  • the payment module 10 After generating the second fee settlement request, the payment module 10 generates and displays a graphic code carrying the second fee settlement request, for other terminals to be based on the second fee settlement request when scanning the graphic code.
  • the payment platform performs fee settlement.
  • the generated graphic code includes, but is not limited to, a barcode, a two-dimensional code, a three-dimensional code, and the like.
  • the following other terminals are used by the owner's mobile phone for further application description of the vehicle-mounted terminal of the embodiment.
  • the vehicle When the driver drives to the departure gate of the parking lot, the vehicle enters the fee item information "parking fee" to be paid based on the vehicle terminal.
  • the vehicle terminal transmits the pre-associated license plate number information “Yue B123456” to the parking lot server of the current parking lot, and receives the parking fee “10 yuan” to be settled by the parking lot server. After receiving the parking fee to be settled returned by the yard server, the vehicle terminal displays on the screen for the vehicle owner to select a payment platform for settlement of the fee.
  • the vehicle terminal After receiving the payment platform information "WeChat payment” selected by the owner, the vehicle terminal generates a second fee settlement request carrying the parking fee "10 yuan" and "WeChat payment” to be settled. After generating the second fee settlement request, the vehicle terminal generates and displays a two-dimensional code carrying the second fee settlement request for the owner to scan using the carried mobile phone.
  • the mobile phone After scanning the two-dimensional code displayed by the vehicle terminal, the mobile phone parses out the second fee settlement request carried by the two-dimensional code, and leads to the “WeChat payment platform”, and the “WeChat payment platform” completes the settlement of the parking fee to be settled.
  • the mobile phone When the mobile phone receives the payment result returned by the WeChat payment platform when the settlement is successful, the mobile phone forwards the payment result to the vehicle terminal and simultaneously forwards it to the parking lot server.
  • the vehicle terminal when receiving the payment result forwarded by the mobile phone, stores and displays accordingly; when receiving the payment result forwarded by the mobile phone, the parking lot server controls the departure gate to open for the owner to drive away.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present invention, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present invention.

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Abstract

公开了一种费用结算方法，其包括：在触发费用结算操作时，车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台，以供云平台基于预设支付平台进行费用结算（S10）；车载终端接收云平台转发的，预设支付平台在结算成功后返回的支付结果（S20）。还公开了一种车载终端。

Description

费用结算方法及车载终端
技术领域
本发明涉及车辆技术领域，尤其涉及一种费用结算方法及车载终端。
背景技术
随着人们生活水平的提高，车辆的普及程度越来越高。随着车辆的购入，如停车费、道路通行费、城市交通拥堵费、加油费、充电车辆的充电费以及车辆保养费等各种车辆相关费用随之而来。在现有技术中，这些费用的结算方式主要是人工结算，以停车费为例，一般在停车场的各个出入口处设置岗亭并安排工作人员在岗亭日夜值班，工作人员根据车辆在停车场的进出时间差和事先规定的停车收费标准计算得出车主应该支付的停车费用，工作人员在停车场出口处放行车辆前向车主收取现金形式的停车费用。显而易见的，由于人工交费、收取现金、现金找零、辨别假币等操作流程耗时较长，使得整个费用结算的效率较低。
发明内容
本发明的主要目的在于提供一种费用结算方法及车载终端，旨在提高费用结算的效率。
为实现上述目的，本发明实施例提供的一种费用结算方法，所述费用结算方法包括：
在触发费用结算操作时，车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台，以供所述云平台基于预设支付平台进行费用结算；
所述车载终端接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果。
可选地，所述车载终端接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果的步骤之后，还包括:
所述车载终端将接收的所述支付结果打上时间戳后，储存至预设数据库中。
可选地，所述车载终端接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果的步骤之后，还包括:
所述车载终端展示接收的所述支付结果。
可选地，所述车载终端展示接收的所述支付结果包括：
所述车载终端通过语音和/或图像的方式展示接收的所述支付结果
可选地，所述费用结算方法还包括：
所述车载终端接收并展示所述云平台发送的行车提示信息。
可选地，所述车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台之前，还包括：
在触发费用结算操作时，所述车载终端识别费用结算操作的触发方式；
在费用结算操作的触发方式为第一触发方式时，转入执行所述车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台的步骤。
可选地，所述第一触发方式包括接收到第三方系统发送的携带待结算费用的提示信息；
所述车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台的步骤包括：
所述车载终端提取所述提示信息携带的待结算费用，并发送携带提取的待结算费用的第一结算请求至云平台。
可选地，所述在触发费用结算操作时，所述车载终端识别费用结算操作的触发方式的步骤之后，还包括：
在费用结算操作的触发方式为第二触发方式时，所述车载终端获取待结算费用，并生成携带待结算费用的第二费用结算请求；
所述车载终端生成并显示携带第二费用结算请求的图形码，以供其他终端在扫描到所述图形码时，基于所述第二费用结算请求对应的支付平台进行费用结算。
可选地，所述图形码包括图形码、二维码和三维码中的至少一种。
可选地，所述第二触发方式包括接收到用户输入的支付信息；
所述在费用结算操作的触发方式为第二触发方式时，所述车载终端获取待结算费用，并生成携带待结算费用的第二费用结算请求的步骤包括：
所述车载终端基于所述支付信息确定待结算费用，以及确定费用结算的支付平台；
所述车载终端生成携带确定的待结算费用，以及确定的支付平台信息的第二费用结算请求。
此外，为实现上述目的，本发明还提供一种车载终端，所述车载终端包括：
支付模块，用于在触发费用结算操作时，获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台，以供所述云平台基于预设支付平台进行费用结算；
接收模块，用于接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果。
可选地，所述接收模块还用于将接收的所述支付结果打上时间戳后，储存至预设数据库中。
可选地，所述车载终端还包括:
第一展示模块，用于展示接收的所述支付结果。
可选地，所述第一展示模块还用于通过语音和/或图像的方式展示接收的所述支付结果。
可选地，所述车载终端还包括：
第二展示模块，用于接收并展示所述云平台发送的行车提示信息。
可选地，所述支付模块还用于在触发费用结算操作时，识别费用结算操作的触发方式；还用于在费用结算操作的触发方式为第一触发方式时，获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台。
可选地，所述第一触发方式包括接收到第三方系统发送的携带待结算费用的提示信息；所述支付模块还用于提取所述提示信息携带的待结算费用，并发送携带提取的待结算费用的第一结算请求至云平台。
可选地，所述支付模块还用于在费用结算操作的触发方式为第二触发方式时，获取待结算费用，并生成携带待结算费用的第二费用结算请求；还用于生成并显示携带第二费用结算请求的图形码，以供其他终端在扫描到所述图形码时，基于所述第二费用结算请求对应的支付平台进行费用结算。
可选地，所述图形码包括图形码、二维码和三维码中的至少一种。
可选地，所述第二触发方式包括接收到用户输入的支付信息；所述支付模块还用于基于所述支付信息确定待结算费用，以及确定费用结算的支付平台；还用于生成携带确定的待结算费用，以及确定的支付平台信息的第二费用结算请求。
本发明提出的费用结算方法及车载终端，通过车载终端自动响应触发的费用结算操作，与预设的云平台进行交互，由云平台协助完成待结算费用的自动线上支付。相较于现有技术，本发明减少了车辆相关费用结算中的人工操作，能够提高费用结算的效率。
附图说明
图1为本发明费用结算方法第一实施例的流程示意图；
图2为本发明车载终端第一实施例的功能模块示意图。
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
本发明提供一种费用结算方法，参照图1，在本发明费用结算方法第一实施例中，该费用结算方法包括：
步骤S10，在触发费用结算操作时，车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台，以供所述云平台基于预设支付平台进行费用结算；
需要说明的是，本实施例提出的费用结算方法由车载终端执行，通过车载终端自动响应触发的费用结算操作，与预设的云平台进行交互，由云平台协助完成自动支付，实现车辆相关费用的快速结算。其中，车载终端包括但不限于车载导航设备和车载电脑等实体设备。
在本实施例中，在触发费用结算操作时，车载终端基于触发的费用结算操作获取待结算费用，其中，费用结算操作可由车载终端自动触发，也可由车载终端响应用户操作而触发。其中，待结算费用包括车载终端关联的车辆相关费用，包括但不限于车场停车费、高速通行费、车辆加油费、交通拥堵费、车辆充电费以及车辆保养费等。在具体实施时，车载终端使用预先配置的车牌号信息表征其关联车辆。例如，在触发费用结算操作时，车载终端获取到车牌号信息为“粤B123456”的车辆的待结算的停车费用“10元”。
在获取到待结算费用之后，车载终端发送携带待结算费用的第一费用结算请求至云平台，其中，发送的第一费用结算请求还携带预先配置的支付凭证及其对应的支付平台信息，以及车载终端关联车辆的车牌号信息。在具体实施时，用户（即车主）可基于车载终端预先配置常用的支付平台，如微信、支付宝、银联、APPLE PAY、SAMSUNG PAY等线上支付平台，并同时配置支付平台的对应支付凭证，例如，银联支付对应的支付凭证包括银行卡账户及关联的支付密码；又例如，支付宝支付包括支付宝账户以及关联的支付密码。
相应的，云平台在接收到车载终端发送的第一结算请求之后，解析出其中的待结算费用，支付凭证及对应的支付平台信息，以及车载终端关联车辆的车牌号信息，并基于解析出的这些信息，基于预设支付平台进行费用结算，即完成车载终端关联车辆的相关费用的结算。
可以理解的是，支付平台在完成费用结算之后，将会返回费用结算的支付结果给支付的请求方，即云平台。
步骤S20，所述车载终端接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果。
在本实施例中，云平台在接收到前述预设支付平台在结算成功之后返回的支付结果时，将接收的支付结果转发至车载终端。
车载终端在接收到云平台转发的支付结果时，可将接收到的支付结果打上时间戳，并储存至预设数据库中，以供需要时展示。
可选地，车载终端在将接收的支付结果储存至预设数据库的同时，还可展示接收的支付结果。
其中，车载终端可通过语音和/或图像的方式展示接收的支付结果，例如，车载终端在屏幕上显示接收的支付结果“停车费用支付成功”；又例如，车载终端通过扬声器播放接收的支付结果“停车费用支付成功”。
可选地，在本实施例中，为提升车主的驾驶体验，该费用结算方法还包括：
所述车载终端接收并展示所述云平台发送的行车提示信息。
其中，所述行车提示信息包括但不限于限行通知信息、交通拥堵信息以及停车场信息等。
本实施例提出的费用结算方法，应用于车载终端，使得车载终端自动响应触发的费用结算操作，与预设的云平台进行交互，由云平台协助完成待结算费用的自动线上支付。相较于现有技术，本发明减少了车辆相关费用结算中的人工操作，能够提高费用结算的效率。
进一步地，基于第一实施例，提出本发明费用结算方法的第二实施例，在本实施例中，步骤S10之前，还包括：
在触发费用结算操作时，所述车载终端识别费用结算操作的触发方式；
在费用结算操作的触发方式为第一触发方式时，转入执行所述车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台的步骤。
需要说明的是，本实施例与前述第一实施例的区别在于，本实施例对车载终端的自动响应进一步进行限制，以下仅针对该区别进行说明，其他可参照前述实施例，此处不再赘述。
在本实施例中，在触发费用结算操作时，车载终端首先识别费用结算操作的触发方式，并在识别到费用结算操作的触发方式为第一触发方式时，车载终端执行前述第一实施例的自动支付流程，具体可参照前述第一实施例，此处不再赘述。
其中，第一触发方式包括接收到第三方系统发送的携带待结算费用的提示信息。
在本实施例中，步骤S10包括：
所述车载终端提取所述提示信息携带的待结算费用，并发送携带提取的待结算费用的第一结算请求至云平台。
以下以第三方系统为停车场系统为例对本实施例的费用结算方法作进一步的应用说明。
停车场的离场道闸周期向外广播表征其身份的广播信号，其中，所述广播信号还携带有用于负责对所述离场道闸所在停车场进行停车费费用结算的车场服务器的服务器信息，即所述离场道闸关联的车场服务器的服务器信息。
容易理解的是，当车主驾车驶入前述离场道闸的广播范围内时，车主驾驶车辆的车载终端将接收到离场道闸发出的广播信号，此时，该车载终端侦测到离场道闸。其中，广播信号的广播范围可以通过调整离场道闸的发射功率进行相应调整，具体的，增大离场道闸的发送功率则相应增大广播信号的广播范围，减小离场道闸的发送功率则相应减小广播信号的广播范围。在具体实施时，离场道闸可通过内置的无线通讯模块广播信号，该无线通讯模块可以采用Wi-Fi、蓝牙、ZigBee、红外、NFC、UWB等短距无线通讯技术。其中，Wi-Fi技术的工作频率位于2.4GHz的ISM（Industrial Scientific Medical）频段和5GHz的ISM频段，其优点在于：信号覆盖范围广、数据传输速率高、容易与其他类型的通讯网络融合等。因此，本实施例优选采用Wi-Fi模块作为所述无线通讯模块。
车载终端在接收到离场道闸广播的广播信号时，从接收的广播信号中提取出离场道闸关联的车场服务器的服务器信息，并向该车场服务器发起通信连接建立请求。
车场服务器在接收到通信连接建立请求之后，与车载终端建立无线通讯连接。其中，车场服务器与车载终端的无线通讯连接可采用基于无连接的UDP(User Data Protocol,用户数据报协议)协议，并采用DTLS(Datagram Transport Layer Security，数据包传输层安全性协议)协议作为其安全控制协议。
在无线通讯连接建立后，车场服务器获取到车载终端关联车辆的车牌号信息，并基于该车牌号信息获取到车载终端关联车辆的待结算停车费用，然后以支付通知的形式，将携带待结算停车费用的提示信息发送至车载终端。
车载终端在接收到车场服务器发送的携带的待结算停车费用的提示信息之后，触发费用结算操作。车载终端提取接收的提示信息中携带的待结算停车费用，发送携带提取的待结算停车费用的第一结算请求至云平台。
云平台在接收到的车载终端发送的第一结算请求时，向预设支付平台“微信支付平台”发起线上支付请求，由“微信支付平台”完成费用结算。
云平台在接收到“微信支付平台”在结算成功时返回的支付结果时，将支付结果转发至车载终端，并同时转发至车场服务器。
相应的，车载终端在接收到云平台转发的支付结果时，相应进行存储和展示；车场服务器在接收到云平台转发的支付结果时，控制离场道闸开启，供车主驾车离场。
进一步的，基于第二实施例，提出本发明费用结算方法的第三实施例，在本实施例中，所述在触发费用结算操作时，所述车载终端识别费用结算操作的触发方式的步骤之后，还包括：
在费用结算操作的触发方式为第二触发方式时，所述车载终端获取待结算费用，并生成携带待结算费用的第二费用结算请求；
所述车载终端生成并显示携带第二费用结算请求的图形码，以供其他终端在扫描到所述图形码时，基于所述第二费用结算请求对应的支付平台进行费用结算。
需要说明的是，本实施例在第二实施例的基础上提出另一种可选的支付方案，以下仅针对该区别进行说明，其他可参照前述实施例，此处不再赘述。
在本实施例中，车载终端在识别到费用结算操作的触发方式之后，若费用结算操作的触发方式为第二触发方式，则车载终端获取待结算费用，并生成携带待结算费用的第二费用结算请求。其中，生成的第二费用结算请求包括支付平台信息，用于导向至支付平台信息对应的支付平台。
具体的，第二触发方式包括接收到用户输入的支付信息，所述在费用结算操作的触发方式为第二触发方式时，所述车载终端获取待结算费用，并生成携带待结算费用的第二费用结算请求的步骤包括：
所述车载终端基于所述支付信息确定待结算费用，以及确定费用结算的支付平台；
所述车载终端生成携带确定的待结算费用，以及确定的支付平台信息的第二费用结算请求。
在生成第二费用结算请求之后，所述车载终端生成并显示携带第二费用结算请求的图形码，以供其他终端在扫描到所述图形码时，基于所述第二费用结算请求对应的支付平台进行费用结算。其中，生成的图形码包括但不限于条形码、二维码和三维码等。
以下其他终端为车主的手机对本实施例的费用计算方法作进一步的应用说明。
车主在驾车行驶至停车场的离场道闸时，基于车载终端输入待支付的费用项目信息“停车费用”。
车载终端将预先关联的车牌号信息“粤B123456”发送至当前停车场的车场服务器，并接收该车场服务器返回的待结算停车费用“10元”。在接收到车场服务器返回的待结算停车费用之后，车载终端在屏幕上进行显示，以供车主选择费用结算的支付平台。
在接收到车主选择的支付平台信息“微信支付”之后，车载终端生成携带待结算停车费用“10元”及“微信支付”的第二费用结算请求。在生成第二费用结算请求之后，车载终端生成并显示携带第二费用结算请求的二维码，供车主使用携带的手机进行扫描。
手机在扫描到车载终端显示的二维码之后，解析出二维码携带的第二费用结算请求，并导向至“微信支付平台”，由“微信支付平台”完成待结算停车费用的结算。
手机在接收到“微信支付平台”在结算成功时返回的支付结果时，将支付结果转发至车载终端，并同时转发至车场服务器。
相应的，车载终端在接收到手机转发的支付结果时，相应进行存储和展示；车场服务器在接收到手机转发的支付结果时，控制离场道闸开启，供车主驾车离场。
本发明还提供一种用于执行前述费用结算方法的车载终端，对应于前述费用结算方法的第一实施例，参照图2，在本发明车载终端的第一实施例中，该车载终端包括：
支付模块10，用于在触发费用结算操作时，获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台，以供所述云平台基于预设支付平台进行费用结算；
需要说明的是，本实施例提出的车载终端，通过自动响应触发的费用结算操作，与预设的云平台进行交互，由云平台协助完成待结算费用的自动支付，能够实现车辆相关费用的快速结算。其中，车载终端包括但不限于车载导航设备和车载电脑等实体设备。
在本实施例中，在触发费用结算操作时，车载终端的支付模块10基于触发的费用结算操作获取待结算费用，其中，费用结算操作可由车载终端自动触发，也可由车载终端响应用户操作而触发。其中，待结算费用包括车载终端关联的车辆相关费用，包括但不限于车场停车费、高速通行费、车辆加油费、交通拥堵费、车辆充电费以及车辆保养费等。在具体实施时，车载终端使用预先配置的车牌号信息表征其关联车辆。例如，在触发费用结算操作时，支付模块10获取到车牌号信息为“粤B123456”的车辆的待结算的停车费用“10元”。
在获取到待结算费用之后，支付模块10发送携带待结算费用的第一费用结算请求至云平台，其中，发送的第一费用结算请求还携带预先配置的支付凭证及其对应的支付平台信息，以及车载终端关联车辆的车牌号信息。在具体实施时，用户（即车主）可基于车载终端预先配置常用的支付平台，如微信、支付宝、银联、APPLE PAY、SAMSUNG PAY等线上支付平台，并同时配置支付平台的对应支付凭证，例如，银联支付对应的支付凭证包括银行卡账户及关联的支付密码；又例如，支付宝支付包括支付宝账户以及关联的支付密码。
相应的，云平台在接收到支付模块10发送的第一结算请求之后，解析出其中的待结算费用，支付凭证及对应的支付平台信息，以及车载终端关联车辆的车牌号信息，并基于解析出的这些信息，基于预设支付平台进行费用结算，即完成车载终端关联车辆的相关费用的结算。
可以理解的是，支付平台在完成费用结算之后，将会返回费用结算的支付结果给支付的请求方，即云平台。
接收模块20，用于接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果。
在本实施例中，云平台在接收到前述预设支付平台在结算成功之后返回的支付结果时，将接收的支付结果转发至车载终端。
接收模块20在接收到云平台转发的支付结果时，可将接收到的支付结果打上时间戳，并储存至预设数据库中，以供需要时展示。
可选地，车载终端还包括第一展示模块，用于在接收模块20将接收的支付结果储存至预设数据库的同时，展示接收的支付结果。
其中，第一展示模块可通过语音和/或图像的方式展示接收的支付结果，例如，第一展示模块在屏幕上显示接收的支付结果“停车费用支付成功”；又例如，第一展示模块通过扬声器播放接收的支付结果“停车费用支付成功”。
可选地，在本实施例中，为提升车主的驾驶体验，该车载终端还包括：
第二展示模块，用于接收并展示所述云平台发送的行车提示信息。
其中，所述行车提示信息包括但不限于限行通知信息、交通拥堵信息以及停车场信息等。
本实施例提出的车载终端，通过自动响应触发的费用结算操作，与预设的云平台进行交互，由云平台协助完成待结算费用的自动线上支付。相较于现有技术，本发明减少了车辆相关费用结算中的人工操作，能够提高费用结算的效率。
进一步地，基于第一实施例，提出本发明车载终端的第二实施例，对应于前述费用结算方法的第二实施例，在本实施例中，所述支付模块10还用于在触发费用结算操作时，识别费用结算操作的触发方式；还用于在费用结算操作的触发方式为第一触发方式时，获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台。
需要说明的是，本实施例与前述第一实施例的区别在于，本实施例对车载终端的自动响应进一步进行限制，以下仅针对该区别进行说明，其他可参照前述实施例，此处不再赘述。
在本实施例中，在触发费用结算操作时，支付模块10首先识别费用结算操作的触发方式，并在识别到费用结算操作的触发方式为第一触发方式时，执行前述第一实施例的自动支付流程，具体可参照前述第一实施例，此处不再赘述。
其中，第一触发方式包括接收到第三方系统发送的携带待结算费用的提示信息。
在本实施例中，所述支付模块10还用于提取所述提示信息携带的待结算费用，并发送携带提取的待结算费用的第一结算请求至云平台。
以下以第三方系统为停车场系统为例对本实施例的车载终端作进一步的应用说明。
停车场的离场道闸周期向外广播表征其身份的广播信号，其中，所述广播信号还携带有用于负责对所述离场道闸所在停车场进行停车费费用结算的车场服务器的服务器信息，即所述离场道闸关联的车场服务器的服务器信息。
容易理解的是，当车主驾车驶入前述离场道闸的广播范围内时，车主驾驶车辆的车载终端将接收到离场道闸发出的广播信号，此时，该车载终端侦测到离场道闸。其中，广播信号的广播范围可以通过调整离场道闸的发射功率进行相应调整，具体的，增大离场道闸的发送功率则相应增大广播信号的广播范围，减小离场道闸的发送功率则相应减小广播信号的广播范围。在具体实施时，离场道闸可通过内置的无线通讯模块广播信号，该无线通讯模块可以采用Wi-Fi、蓝牙、ZigBee、红外、NFC、UWB等短距无线通讯技术。其中，Wi-Fi技术的工作频率位于2.4GHz的ISM（Industrial Scientific Medical）频段和5GHz的ISM频段，其优点在于：信号覆盖范围广、数据传输速率高、容易与其他类型的通讯网络融合等。因此，本实施例优选采用Wi-Fi模块作为所述无线通讯模块。
车载终端在接收到离场道闸广播的广播信号时，从接收的广播信号中提取出离场道闸关联的车场服务器的服务器信息，并向该车场服务器发起通信连接建立请求。
车场服务器在接收到通信连接建立请求之后，与车载终端建立无线通讯连接。其中，车场服务器与车载终端的无线通讯连接可采用基于无连接的UDP(User Data Protocol,用户数据报协议)协议，并采用DTLS(Datagram Transport Layer Security，数据包传输层安全性协议)协议作为其安全控制协议。
在无线通讯连接建立后，车场服务器获取到车载终端关联车辆的车牌号信息，并基于该车牌号信息获取到车载终端关联车辆的待结算停车费用，然后以支付通知的形式，将携带待结算停车费用的提示信息发送至车载终端。
车载终端在接收到车场服务器发送的携带的待结算停车费用的提示信息之后，触发费用结算操作。车载终端提取接收的提示信息中携带的待结算停车费用，发送携带提取的待结算停车费用的第一结算请求至云平台。
云平台在接收到的车载终端发送的第一结算请求时，向预设支付平台“微信支付平台”发起线上支付请求，由“微信支付平台”完成费用结算。
云平台在接收到“微信支付平台”在结算成功时返回的支付结果时，将支付结果转发至车载终端，并同时转发至车场服务器。
相应的，车载终端在接收到云平台转发的支付结果时，相应进行存储和展示；车场服务器在接收到云平台转发的支付结果时，控制离场道闸开启，供车主驾车离场。
进一步的，基于第二实施例，提出本发明车载终端的第三实施例，对应于前述费用结算方法的第三实施例，在本实施例中，所述支付模块10还用于在费用结算操作的触发方式为第二触发方式时，获取待结算费用，并生成携带待结算费用的第二费用结算请求；还用于生成并显示携带第二费用结算请求的图形码，以供其他终端在扫描到所述图形码时，基于所述第二费用结算请求对应的支付平台进行费用结算。
需要说明的是，本实施例在第二实施例的基础上提出另一种可选的支付方案，以下仅针对该区别进行说明，其他可参照前述实施例，此处不再赘述。
在本实施例中，支付模块10在识别到费用结算操作的触发方式之后，若费用结算操作的触发方式为第二触发方式，则支付模块10获取待结算费用，并生成携带待结算费用的第二费用结算请求。其中，支付模块10生成的第二费用结算请求包括支付平台信息，用于导向至支付平台信息对应的支付平台。
具体的，第二触发方式包括接收到用户输入的支付信息，所述支付模块10还用于基于所述支付信息确定待结算费用，以及确定费用结算的支付平台；还用于生成携带确定的待结算费用，以及确定的支付平台信息的第二费用结算请求。
在生成第二费用结算请求之后，所述支付模块10生成并显示携带第二费用结算请求的图形码，以供其他终端在扫描到所述图形码时，基于所述第二费用结算请求对应的支付平台进行费用结算。其中，生成的图形码包括但不限于条形码、二维码和三维码等。
以下其他终端为车主的手机对本实施例的车载终端作进一步的应用说明。
车主在驾车行驶至停车场的离场道闸时，基于车载终端输入待支付的费用项目信息“停车费用”。
车载终端将预先关联的车牌号信息“粤B123456”发送至当前停车场的车场服务器，并接收该车场服务器返回的待结算停车费用“10元”。在接收到车场服务器返回的待结算停车费用之后，车载终端在屏幕上进行显示，以供车主选择费用结算的支付平台。
在接收到车主选择的支付平台信息“微信支付”之后，车载终端生成携带待结算停车费用“10元”及“微信支付”的第二费用结算请求。在生成第二费用结算请求之后，车载终端生成并显示携带第二费用结算请求的二维码，供车主使用携带的手机进行扫描。
手机在扫描到车载终端显示的二维码之后，解析出二维码携带的第二费用结算请求，并导向至“微信支付平台”，由“微信支付平台”完成待结算停车费用的结算。
手机在接收到“微信支付平台”在结算成功时返回的支付结果时，将支付结果转发至车载终端，并同时转发至车场服务器。
相应的，车载终端在接收到手机转发的支付结果时，相应进行存储和展示；车场服务器在接收到手机转发的支付结果时，控制离场道闸开启，供车主驾车离场。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本发明各个实施例所述的方法。
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (20)

  1. 一种费用结算方法，其特征在于，所述费用结算方法包括：
    在触发费用结算操作时，车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台，以供所述云平台基于预设支付平台进行费用结算；
    所述车载终端接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果。
  2. 根据权利要求1所述的费用结算方法，其特征在于，所述车载终端接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果的步骤之后，还包括:
    所述车载终端将接收的所述支付结果打上时间戳后，储存至预设数据库中。
  3. 根据权利要求1所述的费用结算方法，其特征在于，所述车载终端接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果的步骤之后，还包括:
    所述车载终端展示接收的所述支付结果。
  4. 根据权利要求3所述的费用结算方法，其特征在于，所述车载终端展示接收的所述支付结果包括：
    所述车载终端通过语音和/或图像的方式展示接收的所述支付结果
  5. 根据权利要求1所述的费用结算方法，其特征在于，所述费用结算方法还包括：
    所述车载终端接收并展示所述云平台发送的行车提示信息。
  6. 根据权利要求1所述的费用结算方法，其特征在于，所述车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台之前，还包括：
    在触发费用结算操作时，所述车载终端识别费用结算操作的触发方式；
    在费用结算操作的触发方式为第一触发方式时，转入执行所述车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台的步骤。
  7. 根据权利要求要求6所述的费用结算方法，其特征在于，所述第一触发方式包括接收到第三方系统发送的携带待结算费用的提示信息；
    所述车载终端获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台的步骤包括：
    所述车载终端提取所述提示信息携带的待结算费用，并发送携带提取的待结算费用的第一结算请求至云平台。
  8. 根据权利要求6所述的费用结算方法，其特征在于，所述在触发费用结算操作时，所述车载终端识别费用结算操作的触发方式的步骤之后，还包括：
    在费用结算操作的触发方式为第二触发方式时，所述车载终端获取待结算费用，并生成携带待结算费用的第二费用结算请求；
    所述车载终端生成并显示携带第二费用结算请求的图形码，以供其他终端在扫描到所述图形码时，基于所述第二费用结算请求对应的支付平台进行费用结算。
  9. 根据权利要求8所述的费用结算方法，其特征在于，所述图形码包括图形码、二维码和三维码中的至少一种。
  10. 根据权利要求8所述的费用结算方法，其特征在于，所述第二触发方式包括接收到用户输入的支付信息；
    所述在费用结算操作的触发方式为第二触发方式时，所述车载终端获取待结算费用，并生成携带待结算费用的第二费用结算请求的步骤包括：
    所述车载终端基于所述支付信息确定待结算费用，以及确定费用结算的支付平台；
    所述车载终端生成携带确定的待结算费用，以及确定的支付平台信息的第二费用结算请求。
  11. 一种车载终端，其特征在于，所述车载终端包括：
    支付模块，用于在触发费用结算操作时，获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台，以供所述云平台基于预设支付平台进行费用结算；
    接收模块，用于接收所述云平台转发的，所述预设支付平台在结算成功后返回的支付结果。
  12. 根据权利要求11所述的车载终端，其特征在于，所述接收模块还用于将接收的所述支付结果打上时间戳后，储存至预设数据库中。
  13. 根据权利要求11所述的车载终端，其特征在于，所述车载终端还包括:
    第一展示模块，用于展示接收的所述支付结果。
  14. 根据权利要求13所述的车载终端，其特征在于，所述第一展示模块还用于通过语音和/或图像的方式展示接收的所述支付结果。
  15. 根据权利要求11所述的车载终端，其特征在于，所述车载终端还包括：
    第二展示模块，用于接收并展示所述云平台发送的行车提示信息。
  16. 根据权利要求11所述的车载终端，其特征在于，所述支付模块还用于在触发费用结算操作时，识别费用结算操作的触发方式；还用于在费用结算操作的触发方式为第一触发方式时，获取待结算费用，并发送携带待结算费用的第一费用结算请求至云平台。
  17. 根据权利要求要求16所述的车载终端，其特征在于，所述第一触发方式包括接收到第三方系统发送的携带待结算费用的提示信息；所述支付模块还用于提取所述提示信息携带的待结算费用，并发送携带提取的待结算费用的第一结算请求至云平台。
  18. 根据权利要求16所述的车载终端，其特征在于，所述支付模块还用于在费用结算操作的触发方式为第二触发方式时，获取待结算费用，并生成携带待结算费用的第二费用结算请求；还用于生成并显示携带第二费用结算请求的图形码，以供其他终端在扫描到所述图形码时，基于所述第二费用结算请求对应的支付平台进行费用结算。
  19. 根据权利要求18所述的车载终端，其特征在于，所述图形码包括图形码、二维码和三维码中的至少一种。
  20. 根据权利要求18所述的车载终端，其特征在于，所述第二触发方式包括接收到用户输入的支付信息；所述支付模块还用于基于所述支付信息确定待结算费用，以及确定费用结算的支付平台；还用于生成携带确定的待结算费用，以及确定的支付平台信息的第二费用结算请求。
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